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Are you insured?
You weren't insured at that time or you were?
Ok. No way around that then. You will have to deal with it yourself. They will not cover you.
It doesn't necessarily mean you are liable.
It just means that it cannot be passed onto the insurance company.
Wouldn't that suggest that you did nothing wrong?
Not sure what you mean?
I cannot immediately see why you would be liable in those circumstances.
I suppose I haven't seen the evidence against you.
If they can't prove fault on your part there is no claim.
No, not necessarily. It depends what they have done and what they have found.
if they have said that there is a fault at the time of presentation then you would be liable for that.
No, if they are able to prove that you were negligent then you would be liable for the cost of putting it right.